Ready to Buy a Home? Why the Market’s on Your Side

The housing market has shifted decisively. While the last couple of years were defined by bidding wars, rising interest rates, and limited inventory, we’re now in a very different environment where buyers hold the advantage.

If you’ve been thinking about purchasing a home but weren’t sure if the timing was right, the answer is simple: it’s time to move. But in today’s market, success comes down to preparation, starting with getting pre-qualified.

What Does a Buyer’s Market Really Mean?

We’re not speculating or guessing here. In markets across Sacramento and surrounding areas, we’re fully in the buyer’s territory. That means sellers offer significant incentives, homes sit longer, and buyers set the terms.

Unless a home is fully updated and aggressively priced, it’s unlikely to receive multiple offers. Homes with deferred maintenance, outdated finishes, or landscaping issues are now sitting longer, and buyers are negotiating more than ever.

What used to be sellers calling the shots has flipped. Today, you might be able to:

Ask for seller credits toward closing costs
Negotiate repairs or price reductions
Take your time and choose wisely

But this window of opportunity won’t last forever.

The Critical First Step: Pre-Qualification

More than ever, sellers and their agents are prioritizing serious buyers. Many Sellers will not allow viewings of their property or even consider your offer if you are not pre-approved or if you can’t provide proof of funds for your earnest money deposit, closing costs, or down payment.

Here’s the key distinction:

Pre-qualification estimates what you can afford, based on a conversation about general income, credit, and financial information.
Pre-approval is a verified, documented assessment of your ability to buy, including: full Mortgage credit report, assets, income and verified employment history.

At Lending Solutions, we make it simple to get started. We can pre-qualify you within 24 hours, sometimes even in minutes, the same day.

All it takes is:

A quick online form (5 minutes)
A 10–15 minute call
Then we run the numbers and guide you toward the right loan programs

From there, we’ll walk you through the following steps to complete your pre-approval, including gathering documents and submitting your file for review.

Why Now?

“We’re in a confirmed buyer’s market. Prices are coming down. There are massive seller incentives… and buyers get to dictate the rules.” Founder, Jose Flores.

That’s not marketing speak. That’s the reality in Sacramento and beyond.

The market won’t stay like this forever. As interest rates adjust and buyer activity picks up again, the leverage you have right now may disappear. Waiting could mean higher prices, more competition, and fewer concessions from sellers.

If you’re serious about buying this year, the next 30–60 days could be your best opportunity.

We Make It Easy!

100% financing options
Programs for buyers with credit scores as low as 580
Personalized guidance and one-on-one support, with over 20 years of lending expertise.
Free consultations with zero pressure. Help with alternative programs for the self-employed, 1099 independent contractors, or past credit challenges. Additional finance options are available for other special categories of borrowers, including first-time buyers, non-first-time buyers, and investors.

You don’t have to figure it out alone. We’ll help you understand your options, set a clear plan, and get you one step closer to owning your next home.